Panhandle First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 18.15 percentage points in Q2 2026, from 97.00% to 78.85%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Panhandle First Bank is 4th from the bottom among 169 Oklahoma banks, -1.07% (Q2 2026). Panhandle First Bank's return on assets of -1.07% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.32 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.49% |
| Tier 1 risk-based capital ratio | 17.49% |
| Total risk-based capital ratio | 18.75% |
| Tier 1 leverage ratio | 13.03% |
| Equity capital to assets | 13.90% |
| Tangible equity to tangible assets | 12.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.98% |
| Non-performing assets ratio | 1.58% |
| Net charge-off ratio | 5.93% |
| Texas ratio | 13.86% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 78.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.07% |
| Return on equity | -7.64% |
| Net interest margin | 4.93% |
| Efficiency ratio | 46.57% |
| Yield on earning assets | 6.87% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.83% |
| Core deposits to total deposits | 79.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.41% |
| Securities to assets | 23.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.25% | 19.25% | 20.50% | 13.48% | 2.11% |
| Q4 2023 | 18.01% | 18.01% | 19.26% | 13.46% | 2.17% |
| Q1 2024 | 18.24% | 18.24% | 19.50% | 13.56% | 1.94% |
| Q2 2024 | 15.22% | 15.22% | 16.35% | 12.47% | 0.77% |
| Q3 2024 | 15.84% | 15.84% | 17.03% | 13.26% | 1.90% |
| Q4 2024 | 15.31% | 15.31% | 16.49% | 13.03% | 1.41% |
| Q1 2025 | 16.08% | 16.08% | 17.33% | 13.36% | 1.58% |
| Q2 2025 | 16.26% | 16.26% | 17.51% | 13.39% | 1.48% |
| Q3 2025 | 16.32% | 16.32% | 17.57% | 13.54% | 1.50% |
| Q4 2025 | 16.74% | 16.74% | 18.00% | 13.33% | 1.83% |
| Q1 2026 | 17.30% | 17.30% | 18.55% | 13.46% | 1.93% |
| Q2 2026 | 17.49% | 17.49% | 18.75% | 13.03% | -1.07% |
Panhandle First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Panhandle First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Panhandle First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22340) · FFIEC NIC profile (RSSD 192857)